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Fast Business-Purpose Loans 

Private Caveat Loans & Second Mortgage Top-Ups With Fast Approval

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Bad Credit Business Loans

A bad credit history can be a barrier to accessing commercial finance through traditional lenders. At Redilend, we assist businesses and commercial borrowers seeking finance for legitimate business and investment purposes.

We can assist with commercial finance for business funding, business-purpose second mortgages, equipment and vehicle purchases, construction, property development and other approved commercial purposes.

Regardless of what happened in the past, we’re here to help fund your business future. We remove unnecessary red tape from business lending, so you get a fair go.

No-Financials Business Loans

No tax returns, BAS statements, business financial statements or payslips required. We have much more effective ways to determine your loan serviceability, and they don’t require sifting through mountains of historical financial documents. This is just one of the many reasons borrowers like you are choosing caveat loans and 2nd mortgages over traditional loans.

For self-employed business owners and commercial borrowers who may not have traditional financial documentation. Our no-financials commercial finance provides an alternative funding option for self-employed business owners and commercial borrowers..

Our streamlined no-financials business loan process is designed for fast approval and settlement once the required loan and security documents are completed

Rural Loans

Redilend specialises in rural loans, farm finance and agribusiness lending for eligible business, commercial and investment purposes.

If you are looking to purchase rural or agricultural property for business, commercial or investment purposes, we can help. — and our rural mortgage lending process is quick and easy! 

Our commercial finance specialists assist with rural and commercial property funding, agribusiness finance, business capital and plant, machinery and equipment finance.

Finding the right rural finance solution doesn’t need to be difficult. We understand rural and agribusiness lending and can help structure finance around your business needs.

Private Lenders

As a specialist commercial finance provider with more than 20 years of industry experience, we help businesses access structured private finance solutions through our private lender network.

Our private lending solutions can be tailored to a wide range of business and commercial scenarios. Loan terms range from short-term facilities of 3 to 12 months through to longer-term commercial finance, depending on the product and transaction.

Our flexible commercial lending criteria allow us to consider scenarios that may not fit traditional bank lending requirements.

Don’t wait around for a bank decision. Private business loan approval is available in as little as 5 minutes.

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Business & Commercial Refinancing

If your existing business or commercial facility no longer suits your needs, refinancing can provide an opportunity to restructure the loan term, amount or interest rate.

Redilend can assist with refinancing eligible business-purpose loans, commercial property facilities, business-purpose second mortgages and other commercial finance arrangements.

 

Get a more suitable commercial finance solution with terms structured around your business needs. We refinance a wide range of eligible business loans, commercial mortgages and business-purpose property-backed facilities.

Non-Conforming Commercial Mortgage Loans

At Redilend, we assist business and commercial borrowers seeking non-conforming mortgage finance for approved commercial, business and investment purposes. When your circumstances or financial position do not conform to a major bank’s lending criteria, Redilend can provide specialist commercial mortgage solutions outside standard bank lending criteria..

We find financial solutions for people who may be:

  • self-employed business owners,

  • no business financials,

  • no tax returns,

  • impaired credit or low credit score,

  • purchasing a commercial or investment property,

  • Previously declined by traditional lenders

 

Redilend provides non-conforming private business loans and commercial mortgage finance for borrowers who do not fit standard bank lending criteria.

Our Services

Redilend provides a wide range of specialized mortgage, business, and rural loans.

Redilend Australia provides tailored commercial mortgage and business finance solutions for a wide range of business and investment lending scenarios. Whether you're self-employed, have an impaired credit history, require specialist commercial lending, or are seeking flexible business-purpose funding options, our experienced team identifies suitable finance solutions for your business and investment needs.

Our specialist lending solutions include:

  • No-Tax-Return Commercial Mortgages

  • Bad Credit Business Mortgages & Finance

  • Self-Employed Business Loans

  • Rural & Agribusiness Property Mortgages

  • Business - Purpose Second Mortgages

  • Commercial Lines of Credit

  • Private Commercial Mortgages

  • Equipment Finance & Equipment Hire

  • Business Debt Refinancing

  • Business Advisory Services

  • Rural & Agribusiness Lending

About Us

Redilend Australia is a specialist commercial finance provider assisting Australian businesses, property investors and commercial borrowers with tailored private lending, mortgage and equipment finance solutions.

We are a specialist commercial finance and equipment finance provider with more than 20 years of industry experience across property, construction, project management and plant and equipment finance.

 

With access to a broad network of lenders and finance providers, Redilend Australia assists business and commercial borrowers with commercial finance and business-purpose mortgage solutions that do not require tax returns, BAS statements, business financial statements or payslips.

Fast, flexible commercial finance without traditional financials.

Flexible loan options for various financial needs offered by Redilend.
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Charities We Proudly Support

Please give generously when you can, it makes a world of difference.

Logos of the charities supported by Redilend to make a positive difference.
Logos of the charities supported by Redilend to make a positive difference.
Logos of the charities supported by Redilend to make a positive difference.
Logos of the charities supported by Redilend to make a positive difference.

Commercial Mortgage Loans & Refinancing

House Tour

Redilend Australia provides specialist commercial property mortgage lending and business finance solutions for business owners, professional property investors and commercial property owners. With access to an extensive network of lenders, we provide flexible commercial lending alternatives for transactions that do not fit traditional bank lending criteria.​

Through our network of more than 50 lenders, we assess your requirements and identify suitable commercial mortgage and refinancing options structured around your property, business needs and transaction.

Short Term Business Loans

Redilend Australia provides short-term business loans, private business finance, supply chain finance and debtor invoice factoring for small to medium businesses that need fast access to working capital. With loan amounts from $100,000 up to $10 million, our specialist business finance solutions are designed for a wide range of legitimate business purposes Australia-wide.

Funding can be used for working capital, business expansion, stock and equipment purchases, business acquisitions, commercial property transactions, debt refinancing and other approved business purposes.

A visual representation of Redilend's flexible finance solutions for various borrowers.

How Can We Help You?

If you need any of the following, we can help you.

  • Straightforward business & commercial mortgage solutions without the complexity often associated with traditional lenders.

  • Rural business, agribusiness and commercial farm finance solutions.

  • Flexible business finance with no tax returns, BAS statements, business financials or payslips required.

  • Short-term bridging finance and caveat loans.

  • Business-purpose second mortgages and commercial equity release using your existing property.

  • Consolidate outstanding business debts into a tailored finance solution.

  • Refinance eligible business or commercial debt into one manageable repayment.

  • Specialist business finance for self-employed borrowers, businesses without traditional financials and borrowers with impaired credit.

  • Business debt refinancing, restructuring and equity release solutions.

  • Fast finance solutions to help meet business settlement deadlines.

  • Finance for commercial property purchases, business-purpose renovations and property development projects.

  • Borrow for approved business or commercial purposes using eligible residential, rural, commercial or industrial property as security

  • Access available property equity through business-purpose equity release and other suitable commercial finance facilities.

Express Quote

Get An Express Quote

If you’d like to see how we can help you, we’d love to show you! Simply enter your details below, and we’ll get back to you with an express quote.

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Prefer to speak with someone over the phone?

 1300 854 575

Get In Touch 

 1300 854 575

 OPERATING HOURS 

7am - 11pm AEST, 7 days

Our Offices

Level 29, 

Chifley Tower
​2 Chifley Square
Sydney NSW 2000
Ph: (02) 9687 6666

27/101 Collins Street
Melbourne VIC 3000
Ph: (03) 9070 8131

10 Eagle Street
Brisbane QLD 4000
Ph: (07) 3622 6438

28/140 St Georges Terrace

Perth WA 6000
Ph: (08) 6323 2973

2 Phillip Law Street
Canberra ACT 2601
Ph: (02) 9158 3896

6/111 Macquarie Street
Hobart TAS 7000
Ph: (03) 9070 8131

Levels 24 and 30,
Westpac House

91 King William Street
Adelaide SA 5000
Ph: (08) 6323 2973

Level 1, Paspalis Centrepoint
48 -50 Smith Street Mall
Darwin NT 0800 
Ph: (08) 6323 2973

Legal Disclaimer - Regulatory Compliance Statement: Redilend Australia is available exclusively to Australian Pty Ltd companies with a valid ACN ONLY. Lending is not offered to individuals or any NCCP regulated consumer purposes. Commercial Lending Activities We recommend that applicants seeking private finance obtain independent financial and legal advice before deciding what is best for their circumstances. We do not offer any personal loans or credit facilities that are regulated under the National Consumer Credit Protection Act 2009 (Cth). Our services are exclusively confined to business lending or the brokering of commercial credit or finance, predominantly for business or commercial purposes. 1. Introduction Redilend Australia ("we", "us", "our") operates www.redilend.com.au (the "Website") solely as a commercial and business finance broker, providing information, referral, and facilitation services exclusively for unregulated business and commercial financing Australia-wide. All "loans" or "financing" references are to facilities exempt from the National Consumer Credit Protection Act 2009 (Cth) ("NCCP Act") and National Credit Code. 2. Nature of Services and Licensing Status •We are a non-bank commercial referral service and do not hold (nor require) an Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL). •Activities do not constitute "financial services" (Corporations Act 2001 (Cth) s 766A) or "credit activities" (NCCP Act s 6). •Exempt per NCCP Act ss 6(1), 13 and NCCP Regulations reg 68 (with verified business purpose declaration). •We refer only to lenders holding ACL/AFSL or exempt under the Corporations Act (lending from own funds, no public schemes). •We provide no financial product advice, legal, tax, or other advice (ASIC RG 209 compliant). •Remuneration: We may receive commissions, brokerage, or fees from lenders/borrowers (disclosed as required). 3. Non-Consumer Credit Only Services are strictly limited to credit for business/commercial purposes (predominant use >50% per NCCP Act s5, NCCP Regulations reg 68). We do not provide/arrange/facilitate consumer, personal, domestic, or household credit. 4. Applicant Acknowledgment and Business Purpose Declaration By accessing the Website, submitting an enquiry/application, or using Services, you declare and warrant (under penalty of perjury): •Financing is exclusively for business/commercial purposes; not personal/domestic/household. •You have conducted due diligence confirming the NCCP exemption. •You obtained independent financial/legal/tax advice before proceeding. •Application was voluntary, free from duress/pressure by us. •All info provided is true/accurate/complete; false statements may breach Criminal Code Act 1995 (Cth) s 137.1 or Corporations Act s 1041G. •You instruct us to refer to licensed/exempt lenders. •We rely on your declarations for eligibility. •Your responsibility: Verify exemption; if doubt (e.g., mixed purpose), stop and seek advice. •Failure: May reclassify as regulated credit, exposing you to NCCP penalties. •You waive NCCP protections (no responsible lending/disclosures). •Short-term exemption (NCCP Reg 51): ≤62 days, single advance/repayment, fees ≤20% establishment + ≤4% monthly (max 2), business purpose verified. •Signed declaration (NCCP Reg 68 form) required as prima facie evidence (rebuttable only if we knew otherwise). 5. Information and Website Use •General information only; not tailored advice/always seek professional and legal advice before deciding what's best for you. •No warranties on accuracy/completeness/suitability. •Use at your risk; verify independently. •Strongly recommend: Independent professional advice before decisions. 6. Privacy and Consent •We comply with the Privacy Act 1988 (Cth) and Australian Privacy Principles. •By submitting info, you irrevocably consent to disclose (for credit assessment) to credit agencies/providers/guarantors/insurers/third parties. •Withdraw consent: customercare@redilend.com.au (does not affect prior disclosures). 7. Limitation of Liability To the maximum extent permitted by law (incl. Australian Consumer Law), we accept no liability (incl. negligence) for any loss/damage/cost/expense (direct/indirect/consequential) from: •Website/Services use/reliance. •Your decisions/applications. •Info inaccuracy/misuse. •Regulatory reclassification/claims. •Excludes death/injury/fraud (non-excludable). 8. Indemnity The Client indemnifies and holds harmless the Company, its directors, officers, employees, agents, and affiliates (the "Indemnified Parties") from and against all claims, losses, damages, liabilities, costs, and expenses (including legal fees on a full indemnity basis) arising from or in connection with: a)any breach by the Client of the representations, warranties, or declarations in this Agreement; b)any misuse of the Services or provision of false, misleading, or incomplete information by the Client; or c)any reclassification of the credit facility as regulated under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and any resulting consequences, including regulatory penalties or enforcement actions. This indemnity survives termination of this Agreement. 9. Dispute Resolution Any dispute arising out of or in connection with this Agreement shall first be addressed through good faith negotiations. The Client may contact the Company at: •Email: customercare@redilend.com.au •Phone: 1300 854 575 •Post: PO Box 3733, Parramatta NSW 2124 If unresolved within 30 days, the parties may escalate to mediation or, if necessary, legal proceedings. 10. Governing Law and Jurisdiction This Agreement is governed by the laws of New South Wales and the Commonwealth of Australia. The parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts competent to hear appeals therefrom. The parties confirm compliance with the Australian Consumer Law, NCCP Act, Corporations Act 2001 (Cth), ASIC Regulatory Guides 203 (debt collection) and 78 (tolerable collection practices), and Privacy Act 1988 (Cth). 11. Confirmation and Acceptance By accessing or using the Website or Services, the Client: a)confirms that any credit application or representation made in connection with finance broker services is for a business or commercial purpose, exempt from the NCCP Act pursuant to section 6 (1) thereof, and not for personal, domestic, or household purposes; b)acknowledges receipt of independent professional financial and legal advice confirming the exemption and suitability of the credit for the intended purpose; c)indemnifies the Company, its affiliates, and staff against all legal and financial liability arising from any misuse, dishonesty, or misleading information provided by the Client or borrower; d)verifies understanding of the serious legal consequences (including potential criminal penalties under the Corporations Act and ACL) of providing false or misleading information in a finance application, and confirms having obtained advice on such risks; e)acknowledges the Company's right to verify details, decline, or terminate any application, agreement, or offer at its discretion if contrary to declarations; and f)accepts all terms, fees, and conditions herein, including that fees are payable on demand and, if unpaid, may be referred to collections for recovery in accordance with applicable laws (including RG 96). g)The Client bears all risks and consequences of non-compliance. 12. 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